Pre-existing Medical Conditions

Important Information for Customers with Pre-existing Medical Conditions

We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.
The following factors would determine when this information is relevant to you:

  • You have not been offered or we/the insurer have declined a quotation wholly or partly due to a medical condition
  • Your policy has been cancelled wholly or partly due to a medical condition
  • You have been offered a policy with a medical condition exclusion which cannot be removed from the policy
  • You have been offered a policy with a medical condition premium of £100 or more
  • You have been offered a policy in respect of which the medical condition premium is not known

We would like to provide you with details of the ‘Medical Cover Firm Directory’ which is a publicly available directory that only lists firms that provide or arrange travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed so you can make an informed initial choice about which provider might meet your needs.

Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:

  • Is willing to offer cover for your condition
  • Is willing to offer cover for your condition without specific exclusions
  • Is willing to offer cover for your condition at a more affordable price

MoneyHelper has a Travel Insurance Directory on its website which can be accessed on the link below:
www.moneyhelper.org.uk/en/everyday-money/insurance/use-our-travel-insurance-directory

Consumer enquires about the directory can be made to MoneyHelper directly using the contact details below:

Telephone – 0800 138 7777 (available Monday to Friday from 8am to 6pm except Bank Holidays)

Webchat – webchat.moneyhelper.org.uk/newchat/chat.aspx (available Monday to Friday from 8am to 6pm and Saturday 8am to 3pm except Bank Holidays)

Online Enquiry Form – ww.moneyhelper.org.uk/en/contact-us/money-guidance/money-guidance-enquiry-form (aim to respond within 2 working days).